We use cookies to give you the best experience and help us improve our website.

Find out more about how we use cookies.

Landlords Landlord Cover Commercial Landlord Insurance

Commercial Landlord Insurance

Combine your residential & commercial properties in one policy. Cover for a range of commercial premises such as shops, restaurants, factories, hotels and more

Get a quote
  • Cover for loss of rent following property damage
  • Property owners' liability
  • Cover for loss of rent following property damage
  • Property owners' liability
Platinum Trusted Service Award - Rectangle
Landlord insurance award 2023

Commercial property insurance is for landlords who rent out properties for commercial use such as shops, restaurants, or industrial units.

Protect your property with our commercial landlord insurance. Talk to one of our commercial property insurance specialists who can search the market to find you the best insurance.

We’ve been working with landlords since 1995, so we know it’s vital to find the right cover for your property. We provide high-quality cover and award-winning service at a great price – so you get the best deal around.

  • Insurance for differing commercial premises – shops, restaurants, factories, hotels etc.
  • Dedicated UK-based advisors.
  • Tailored insurance products.
  • Option to combine residential and commercial properties.
  • Specialist insurance advisers.

The Alan Boswell Group Difference

Commercial Landlord Insurance specialist

Because our commercial landlord insurance product is managed in-house, we provide a unique service, with pricing, underwriting and claims primarily managed by our own team. We also have a landlord advice hub that is full of useful information to help landlords and property owners find the advice and products needed.

Our advice and service have been recognised by the industry and our customer feedback scores are proof of our consistently high standards.

What our customers say

We've dealt with Alan Boswell for over 10 years and have always been very impressed by their efficiency.

Mr & Mrs Hodges - Commercial landlord

What's included in Commercial Landlord Insurance policy?

Our commercial landlord insurance policies cover a range of risks, so you get complete peace of mind.

  • Property insurance A wide definition of buildings that can extend to include common areas, landscaping, solar panels, wind turbines, and domestic white goods. Numerous extensions included as standard and tailored to the property industries.
  • Business interruption Cover for loss of rent following property damage, as well as for the cost of alternative accommodation for residential units within your portfolio. There is a variety of extensions to supplement core covers.
  • Engineering damage This policy can provide cover to surrounding property if any machinery or plant causes damage. We can also offer specific policy enhancements, such as working or repair investigation costs, to ensure you're well insured.
  • Property owners' liability Protects your legal liabilities towards third parties e.g. slip, trip, or fall whilst on the property.

If you are a property owner and you have a change of tenant or processes undertaken within the property you will need to inform your insurance provider. Failure to do this could invalidate any claim.

It is important to make your insurance provider aware if there will be any periods of inoccupancy to ensure the property is covered correctly whilst unoccupied. Again, failure to inform your insurance provider could invalidate your insurance.

Our commercial landlord FAQs page aims to answer some of the common questions  regarding commercial landlord insurance.

Get a quote

Speak to our team on
01603 216387
Make an enquiry Make an enquiry
Make an enquiry

Other landlord insurance covers

We have specific insurance designed for landlords to cover the range of property you might have, which is why we can provide a range of additional covers:

Landlord Building Insurance

Landlord building insurance is a vital cover for your rental property we can search the market, compare quotes, and arrange your insurance so you get the best cover available.

Read more
Multi Property Landlord Insurance

Multi-Property landlord insurance for your residential and/or commercial property portfolio.

Read more
Block of Flats Insurance

A comprehensive flat insurance policy tailored to your requirements will give you peace of mind, talk to one of our specialists today or get a quote online

Read more
Rent Guarantee Insurance

Provides insurance for non payment of rent in the event of a tenant defaulting as well as any landlord legal expenses cover of up to £100,000.

Read more
Landlord Legal Expenses Insurance

Provides cover for your rental property, including repossession of the property and other legal disputes.

Read more
Landlord Home Emergency Cover

Home emergency cover for your own or rental property in the event of a domestic emergency e.g. boiler breakdown, failure in utilities etc.

Read more
Tenant Referencing for Landlords and Letting Agents

Referencing of tenant(s) employment history, tenant history, identity and credit history and affordability.

Read more

Commercial Landlord Insurance FAQs

  • The property owner or landlord, is responsible for arranging building insurance on commercial property that is rented out.

    Under the terms of most commercial lease agreements, the landlord will often pass on the cost of building insurance to the tenant.

  • Theft and theft by tenant is covered under commercial property policies. However, most policy wordings state that there must be evidence of entry by “forcible or violent means” in order for a claim to be valid.

    When offering their quote, the underwriter will look at the local crime map to analyse the crime rate in the surrounding area of the property. Should this be in a high crime area, an insurer may look to increase their excess or restrict cover. However, the stance on this can vary from insurer to insurer therefore as a broker we are able to search our markets and find a quote with a high quality of cover for a competitive rate.

  • Fire is covered under all commercial property policies, including when the property is unoccupied.

    The very basic cover offered by insurers, in particular when a property is vacant, is for fire, lightning, explosion, and aircraft. However, it is important to note that explosion from fire is typically excluded and this is restricted to explosion of gas boilers, or gas used for domestic purposes. Subterranean fire is also excluded.

  • As defined by AXA in their policy wording, flood is defined as “the escape of water from the normal confines of any natural or artificial watercourse, lake, reservoir, canal, drain, or dam. Inundation from the sea. Rain-induced runoff. Whether resulting from storm or not.”

    When considering whether to offer flood cover an underwriter will look at a range of factors. These include; The Environment Agency’s Flood Map; how far away the property is from a river, sea, or lake and; the history of previous flooding in the surrounding area. With these three factors in mind, they will decide whether to offer standard terms, increase the excess, or exclude flood completely.

    A commercial property policy will provide essential flood and storm cover for the structure and landlords contents looking only to exclude damage in respect of fences, gates, or moveable property in the open.

  • Water damage caused by a burst pipe, also known as ‘escape of water’, is a cover often found on a commercial property insurance policy. Despite a common misconception that the pipe itself is covered under the policy, this is not always the case; however, instead, the damage arising from this escape of water is covered by the insurance. For example, a pipe suddenly bursts in your property and damages the floor and several appliances. The pipe itself would be excluded, but the material damage to the structure and contents would be covered by your insurance policy.

    However, many policies offer ‘trace and access’ cover as part of their policy. This means that should there be some evidence that there is a water leak occurring, you may have to call someone in to remove plasterwork or floorboards to identify where this is coming from.  This can prove costly. Therefore this trace and access will cover the cost of locating the source of the leak, and any costs necessary in repairing and making good any damage caused in locating this. The main reason insurers offer this cover is to find the leak quickly, therefore avoiding further widespread damage and minimising claim costs both for yourself and them as a result.

Award-winning insurance

Speak to our team on
01603 216387
Make an enquiry Make an enquiry
Make an enquiry
Paul Marshall
Paul Marshall

Account Executive

Paul started his insurance career with Smith & Pinching in 1984, rising to office manager within three years. In 1991, Paul then moved on to…

Steve Cox
Steve Cox

Business Account Manager

Steve started working for Alan Boswell Group when he left school back in 1991. He was on the Youth Training Scheme and learned the ins…

Commercial Landlord insurance cost

How much does Commercial landlord insurance cost?

If you are insuring a single building you could pay as little as £306 for a commercial landlord insurance policy. The exact cost will depend on several factors including the construction type, size of the property, and the business your tenant undertakes, but last year 10% of our customers paid £306 or less (Jan 22 – Dec 22).